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01. Our identity 		4
1.1 Main figures 		6
1.2 Interview with the Chairman and the General Manager 		8
1.3 About Cecabank 		10
Mission 		10
Cecabank's presence 		10
Cecabank's activity 		11
Ownership structure 		12
02. Corporate Governance 		18
2.1 Governing bodies 		20
Board od Directors 		21
Management committe 		25
2.2 Code of conduct 		27
03. Our business model 		28
3.1 Strategic lines 		31
Economic and regulatory environment 		31
Building the future 		38
Business lines 		42
3.2 Financial information 		64
Activity 		64
Income Statement 		66
3.3 Business risk 		68
The risk function at Cecabank 		68
04. 2015 Annual Accounts 		74
4.1 Cecabank, S.A. 		74
Individual Annual Accounts, management report and audit report for financial years 2015 		74
4.2 Cecabank, S.A. and Subsidiaries in the Cecabank group 		74
Consolidated Annual Accounts. Management reprot and audit report for financial years 2015 		74
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